Xero Promo Code UK: 90% Off for 6 Months + £100 Amazon Gift Card

Are you a small business owner in the UK looking for ways to save money on accounting software? You’re in the right place. In this guide, we’ll show you how to get the best deals on Xero, one of the most popular accounting platforms for UK businesses.

🎯 Quick Summary: Current Xero Promotion (February 2026)

Get 90% off for 6 months + FREE £100 Amazon Gift Card!

Ignite: £1.60/month (usually £16) – Save £86.40 + £100 gift card
Grow: £3.70/month (usually £37) – Save £199.80 + £100 gift card
Comprehensive: £5/month (usually £50) – Save £270 + £100 gift card
Ultimate: £6.50/month (usually £65) – Save £351 + £100 gift card

👉 Click here to lock in your 90% discount + £100 Amazon gift card

🎁 NEW February 2026: Exclusive Amazon Gift Card Offer

For a limited time this February, Xero is offering an incredible bonus on top of their already generous discount:

What You Get:

✅ 90% off your Xero subscription for the first 6 months
✅ FREE £100 Amazon Gift Card (or local currency equivalent)

How to Qualify for the Gift Card:

To receive your complimentary Amazon gift card, you must:

Sign up using an authorized partner referral link during February 2026
Connect your bank to your Xero account within the first 7 months
Maintain a paid Xero subscription for at least 7 months after signup

This is an exclusive February-only promotion that combines Xero’s best discount with a valuable bonus gift card – making it the perfect time to start your Xero journey.

Total Value:

Up to £451 in savings (Ultimate plan: £351 discount + £100 gift card)
£299.80 for Grow plan (£199.80 discount + £100 gift card)

💡 Important: How Xero Discounts Actually Work

There are no manual promo codes to type in. If you’re searching for a “Xero promo code UK,” here’s what you need to know:

Xero doesn’t use traditional coupon codes that you copy and paste at checkout. Instead, discounts are applied automatically when you sign up through special promotional or referral links.

How it works:

You click a promotional link (like ours below)
The discount is automatically applied to your account
You see the discounted price immediately
No code to enter, no extra steps

Think of it like clicking a sale link on Amazon – the discount just happens. Simple as that.

👉 Click here to get your automatic 90% discount + £100 gift card – No code needed!

🤝 About Our Referral Link (Full Transparency)

You’ll see our referral link throughout this article. Here’s exactly what that means:

Is it legit? Yes. This is an official Xero referral program approved and managed by Xero itself.

Who applies the discount? Xero does, not us. When you click our link, Xero’s system automatically recognizes you came through a referral and applies the discount.

Do you pay more? No. You get the same (or better) price than signing up directly. Referral links often include extra perks like the £100 Amazon gift card.

Does it affect your service? Absolutely not. You get the exact same features, support, and service as any Xero customer. Your relationship is with Xero, not with us.

Why do we use it? We earn a small commission if you sign up, at no cost to you. This helps us keep creating helpful guides like this one.

Bottom line: You save money, we earn a commission, Xero gets a customer. Everyone wins. It’s that simple.

⏰ Why You Should Act This February (Not Next Month)

Let’s be clear about the math:

If you sign up this February:

Pay £22.20 total for 6 months of professional accounting (Grow Plan)
Get a £100 Amazon gift card (effectively making it £77.80 profit)
Get full access to all features immediately
Start saving time on bookkeeping this week
Lock in the discount even if you don’t use it right away

If you wait until March or later:

Pay £222 for 6 months (Grow Plan)
Miss out on saving £199.80
No £100 Amazon gift card bonus
Continue wasting hours on manual bookkeeping
Still need to do your accounting anyway

The decision tree is simple:

Will you need accounting software at some point? (If you’re running a business, yes)
Is Xero a good option? (Yes, it’s UK’s most popular)
Is 90% off + £100 better than full price? (Obviously yes)
Does the discount require a long-term commitment? (No, cancel anytime)

Therefore: Sign up now, even if you don’t start using it immediately. You can set it up at your own pace. The discount is time-limited. Your bookkeeping stress isn’t going away on its own.

👉 Lock in 90% off + £100 gift card now – February only!

What is Xero?

Xero is cloud-based accounting software that helps small businesses manage their money. Think of it as your digital bookkeeper that works 24/7. You can send invoices, track expenses, manage payroll, and see your cash flow – all from your computer or phone.

Unlike old-fashioned accounting software that lives on one computer, Xero works online. This means you can access your business finances from anywhere, and your accountant can too. It’s perfect for busy business owners who need flexibility.

Why UK Businesses Love Xero

Before we talk about the promotion, let’s understand why Xero is so popular in the UK:

It’s Easy to Use

You don’t need to be an accountant to understand Xero. The dashboard is simple, with clear buttons and menus. Most business owners can start using it within an hour.

It Connects to Your Bank

Xero links directly to your UK bank account. Every time money goes in or out, Xero sees it. This saves you hours of manual data entry every week.

Your Accountant Can Help

Your accountant can log into your Xero account to check your numbers, file your taxes, or answer questions. No more emailing spreadsheets back and forth.

It Grows With You

Starting small? Xero works great. Growing fast? Xero can handle that too. You can add more features as your business needs them.

Mobile App

Check your finances while having your morning coffee or waiting for a meeting. The Xero app puts your business numbers in your pocket.

🇬🇧 UK Compliance: Why Xero Is Built for British Businesses

This is crucial: Xero isn’t just accounting software adapted for the UK – it’s specifically designed to handle UK tax and compliance requirements.

HMRC Compliant

Xero meets all HMRC requirements for digital record-keeping. Your books are audit-ready from day one.

Making Tax Digital (MTD) for VAT

If your turnover exceeds £85,000, you’re required to use MTD-compatible software. Xero is fully MTD compliant and submits your VAT returns directly to HMRC.

Making Tax Digital for Income Tax

Xero is MTD for Income Tax ready, helping sole traders and landlords meet their digital reporting obligations.

UK VAT Handling

Xero automatically handles UK VAT rates including standard (20%), reduced (5%), and zero-rated. When VAT rates change, Xero updates automatically.

CIS (Construction Industry Scheme) Support

If you’re a contractor or subcontractor, Xero handles CIS deductions and monthly returns. Available as an add-on (£5/month) on all plans.

UK Payroll

Depending on your plan, Xero includes UK payroll features that handle PAYE, National Insurance, pensions auto-enrolment, and RTI submissions to HMRC.

Payroll included:

Ignite: Optional add-on at £1.50 per person
Grow: 1 person included, £1.50 per additional person
Comprehensive: 5 people included, £1.50 per additional person
Ultimate: 10 people included, £1 per additional person

UK Bank Integration

Direct feeds from all major UK banks including Barclays, HSBC, Lloyds, NatWest, Santander, and more. Your transactions import automatically.

British Accounting Standards

Xero follows UK GAAP (Generally Accepted Accounting Principles) and produces reports in formats UK accountants expect.

This isn’t trivial. Using software that doesn’t properly handle UK tax rules can cost you thousands in penalties or accountant fees fixing mistakes. Xero gets it right from the start.

Current Xero Pricing in the UK (February 2026)

SPECIAL OFFER: Get 90% off for your first 6 months + £100 Amazon Gift Card!

Right now, Xero is running an incredible promotion. If you sign up during February 2026, you get 90% off your plan for the first 6 months PLUS a free £100 Amazon gift card.

Here’s what the plans cost with this promotion:

Ignite Plan

Usually £16/month – Now £1.60/month (for first 6 months)

Total savings: £86.40 + £100 gift card = £186.40 value
Perfect for: Brand new businesses or sole traders
What you get: Track cash flow with the essentials
Best for: Very small operations just starting out

Key Features:

Send quotes and 20 invoices per month
Enter 10 bills
Accept online invoice payments
Reconcile bank transactions
Capture bills and receipts with Hubdoc
View real-time reports
Submit VAT returns to HMRC
MTD for Income Tax ready
30-day cash flow forecast

Grow Plan ⭐ Most Popular

Usually £37/month – Now £3.70/month (for first 6 months)

Total savings: £199.80 + £100 gift card = £299.80 value
Perfect for: Small businesses that are established
What you get: Go beyond the basics – automate tasks and access performance dashboards
Best for: Most small businesses with regular income

Everything in Ignite, plus:

Unlimited invoices and quotes
Unlimited bills
Auto-reconcile (Beta)
Payroll for 1 person (£1.50 per additional person)
Claim expenses and mileage for 1 user (£2.50 per additional user)
Up to 5 online bill payments (£0.20 per additional payment)
Basic performance graphs
Automate subcontractor CIS calculations and reports

Comprehensive Plan

Usually £50/month – Now £5/month (for first 6 months)

Total savings: £270 + £100 gift card = £370 value
Perfect for: Growing businesses needing more insights
What you get: Optimise profitability – tailor your insights for greater control
Best for: Businesses that need detailed financial analysis

Everything in Grow, plus:

Payroll for 5 people (£1.50 per additional person)
Claim expenses for 5 users (£2.50 per additional user)
Up to 10 online bill payments (£0.20 per additional payment)
90-day cash flow forecast
Customise performance dashboards
Use multiple currencies
International bill payments (fees apply)

Ultimate Plan

Usually £65/month – Now £6.50/month (for first 6 months)

Total savings: £351 + £100 gift card = £451 value
Perfect for: Scaling businesses
What you get: Future proof your scaling business – with advanced tools and analytics
Best for: Businesses with complex needs or rapid growth

Everything in Comprehensive, plus:

Payroll for 10 people (£1 per additional person)
Claim expenses for 10 users (£2.50 per additional user)
Up to 15 online bill payments (£0.20 per additional payment)
Track projects for 10 users (£5 per additional user)
180-day cash flow forecast
Tailored financial health scorecards
Analyse KPIs and ratios

Important: This 90% discount + £100 gift card is a February 2026 exclusive! After the first 6 months, you’ll pay the regular price unless you cancel.

📊 Quick Plan Comparison Table

Here’s an at-a-glance comparison to help you choose:

Feature	Ignite (£1.60/mo)	Grow (£3.70/mo) ⭐	Comprehensive (£5/mo)	Ultimate (£6.50/mo)
Best For	Brand new solo businesses	Most small businesses	Growing businesses	Scaling businesses
Invoices	Up to 20/month	Unlimited	Unlimited	Unlimited
Bills	Up to 10/month	Unlimited	Unlimited	Unlimited
Bank Feeds	✓	✓	✓	✓
Auto-Reconcile	✗	✓ (Beta)	✓ (Beta)	✓ (Beta)
Expense Claims	✗	1 user	5 users	10 users
VAT Returns	✓	✓	✓	✓
CIS Support	✓ (£5 add-on)	✓ (£5 add-on)	✓ (£5 add-on)	✓ (£5 add-on)
Payroll Included	Optional (£1.50/person)	1 person	5 people	10 people
Multi-Currency	✗	✗	✓	✓
Project Tracking	✗	✗	✗	10 users
Cash Flow Forecast	30 days	30 days	90 days	180 days
Performance Dashboards	Basic	Basic	Custom	Advanced + KPIs

Most popular choice: The Grow Plan at £3.70/month covers what 80% of UK small businesses need.

How to Get Xero Discount in the UK (February 2026)

Here are the real ways to save money on Xero in February 2026:

1. Take Advantage of the 90% Off + £100 Gift Card (FEBRUARY ONLY!)

This is the biggest value available right now!

Xero is offering 90% off for your first 6 months + a £100 Amazon gift card when you sign up during February 2026. This means:

Ignite Plan: Just £1.60/month (save £86.40 + £100 gift card)
Grow Plan: Just £3.70/month (save £199.80 + £100 gift card)
Comprehensive Plan: Just £5/month (save £270 + £100 gift card)
Ultimate Plan: Just £6.50/month (save £351 + £100 gift card)

This is a limited-time February offer, so don’t wait!

👉 Get 90% off + £100 gift card – February only!

2. Use a Referral Link (How the Offer Works)

The 90% discount and £100 gift card are activated through authorized partner referral links. When you sign up through a referral, the discount applies automatically.

Verified Partner Offer
✅ 90% Off for 6 Months + £100 Amazon Gift Card
Discount auto applies | 156 People Used | Rating: 5/5
Activate Offer | On-Going (February 2026)

This combines the best of both worlds:

You get the 90% off for 6 months
You get the £100 Amazon gift card
It’s official and approved by Xero
There’s no catch or hidden fees

3. Free Trial (Test Before You Buy)

Even with the 85% discount, Xero still offers a free trial to test the software. You can explore all the features before committing to any payment.

During your free trial, you can:

Set up your whole accounting system
Import your bank statements
Send invoices to customers
See if Xero fits your business

This is risk-free – if you don’t like it, simply don’t continue.

Pro Tip: While you can start with the free trial and then apply the partner discount, you’ll get more value (6 months at 90% off vs 30 days free) by using the partner link directly.

4. Annual Payment Option

After your first 6 months at 85% off, you can choose to pay annually instead of monthly for additional savings. Annual payments typically save you 10-15% compared to monthly billing.

5. Partner Discounts

Some Xero accounting partners offer special deals when you become their client. If you’re hiring an accountant anyway, ask if they have any Xero promotions.

Many UK accounting firms include Xero in their service package, sometimes at a reduced rate.

How to Activate the Xero 85% Discount + £100 Gift Card

Step 1: Use the Partner Link

Click the verified partner link below. The 90% discount activates automatically—no code required.

👉 Xero Discount Link (Discount auto applies)

Step 2: Create Your New Account

Enter your email, create a password, and add basic business information.

Step 3: Choose Your Plan

Select the plan that matches your needs:

Ignite – Usually £16 per month, now £2.40 per month
Grow – Usually £37 per month, now £5.55 per month
Comprehensive – Usually £50 per month, now £7.50 per month
Ultimate – Usually £65 per month, now £9.75 per month

Step 4: Verify Your Email

Click the activation link sent to your inbox to confirm your account.

Step 5: Enter Payment Details

Add your payment method to activate the discounted subscription. You can cancel anytime before renewal.

Step 6: Connect Your Bank (For Gift Card)

To qualify for the £100 Amazon gift card:

Connect your UK bank account within the first 7 months
Maintain your subscription for at least 7 months

Your gift card will be sent to your email after meeting these requirements.

That’s it!

Is Xero Worth the Money?

Let’s be honest about costs. But with the current 90% off promotion + £100 gift card, this is the easiest decision ever!

The Numbers Make Sense (February 2026)

With the 90% discount + £100 gift card:

Ignite Plan: £1.60/month for 6 months = £9.60 total – £100 gift card = You’re £90.40 ahead
Grow Plan: £3.70/month for 6 months = £22.20 total – £100 gift card = You’re £77.80 ahead
Comprehensive Plan: £5/month for 6 months = £30 total – £100 gift card = You’re £70 ahead

You literally make money by signing up! The gift card is worth more than the subscription cost.

Time Savings

Most business owners save 5-10 hours per month on bookkeeping. If your time is worth £20 per hour, that’s £100-£200 saved monthly. Even at the regular price, the software pays for itself. At 90% off with a £100 gift card, it’s an absolute no-brainer.

Tax Accuracy

Making mistakes on your tax return can cost you hundreds or thousands in fines. Xero helps you stay accurate and organized. Even one prevented mistake pays for years of Xero.

Professional Image

Sending professional invoices makes you look established. Customers pay faster when your invoices look good. Better cash flow = better business.

Peace of Mind

Always knowing your exact financial position helps you make better business decisions. No more guessing if you can afford something.

Accountant Fees

Some accountants charge less if you use Xero because it makes their job easier. This can save you £500-£1,000 per year – far more than Xero costs.

The 6-Month Advantage

Use the first 6 months at 90% off to really learn the system and see the benefits. By the time you start paying full price, you’ll wonder how you ever managed without it.

For most UK small businesses, Xero saves far more money than it costs – especially with this incredible February promotion.

✅ Your Risk-Free Guarantee: Cancellation & Refunds

Let’s address the elephant in the room: What if you don’t like it?

Can you cancel during the 6-month promotional period?
Yes, absolutely. You can cancel anytime, even during the discounted months. There’s no minimum commitment or cancellation fee.

Will you lose your data if you cancel?
No. Xero keeps your data for a period even after cancellation. You can export all your records before canceling. Your financial history isn’t held hostage.

Do you get charged if you forget about it?
Xero sends email reminders before renewal. You’ll know when the 6-month promotion ends and when you’ll be charged the regular rate. No surprise bills.

Can you downgrade instead of canceling?
Yes! If the plan you chose is too much, you can downgrade to a cheaper plan anytime. The 90% discount applies to whichever plan you’re on during the promotional period.

What about the free trial?
Some plans offer a free trial before you even enter payment details. You can explore Xero completely risk-free, then decide if you want to buy with the 85% discount.

Can you pause your subscription?
While Xero doesn’t have a formal “pause” feature, you can cancel and re-activate later. Your data is preserved.

What happens to the gift card if I cancel?
You need to maintain your subscription for at least 7 months to receive the £100 Amazon gift card. If you cancel before 7 months, you won’t receive the gift card.

Bottom line: At £1.60-£6.50/month for 6 months, plus getting a £100 gift card, you’re literally making money to try professional accounting software. If it doesn’t work for you after 7 months, cancel. The gift card is yours to keep.

The real risk is NOT trying it and continuing to waste hours on manual bookkeeping that Xero could automate.

Xero vs Other Accounting Software

Wondering if Xero is the right choice? Here’s how it compares:

Xero vs QuickBooks

QuickBooks is Xero’s main competitor. Both are excellent, but:

Xero is generally easier to use with a cleaner interface
QuickBooks has more advanced features for complex businesses
Xero is better for businesses with accountants (most UK accountants prefer it)
QuickBooks is better for retail and inventory-heavy businesses
Xero has better UK bank feeds and MTD compliance

Want a detailed comparison? Check out our Xero vs QuickBooks guide.

Xero vs Wave

Wave is free accounting software, so it’s tempting. But:

Xero has better bank connections with all major UK banks
Xero has better support with live chat and phone support
Wave is very basic with limited features
Xero is worth paying for if you value your time and need MTD compliance
Wave doesn’t handle UK VAT as comprehensively

Learn more: Xero vs Wave comparison

Xero vs Sage

Sage is an older UK accounting brand:

Xero is more modern and cloud-based from the ground up
Sage has been around longer (since 1981)
Xero is easier for non-accountants with intuitive design
Sage is better for very large businesses with complex needs
Xero has better mobile apps and third-party integrations

Read more: Xero vs Sage detailed comparison

Xero vs MYOB

For those considering MYOB:

Xero is stronger in the UK with better local support
MYOB is popular in Australia/NZ but less so in the UK
Xero has more integrations (1000+ apps)
Xero has better MTD compliance for UK businesses

Full comparison: Xero vs MYOB

Want to see all your options? Check out our guide to the best accounting software for small businesses.

Who Should Use Xero?

Xero is perfect for:

Freelancers and Sole Traders

If you work for yourself and need to send invoices and track expenses, Xero makes it simple. The Grow plan at £3.70/month (during promotion) covers everything you need.

Small Business Owners

Running a shop, restaurant, service business, or online store? Xero handles all the accounting you need. MTD compliance, VAT returns, and bank reconciliation all automated.

Growing Businesses

Started with spreadsheets but outgrowing them? Xero is your next step up. Multi-currency support, inventory tracking, and advanced reporting help you scale.

Businesses with Accountants

If you have (or want) an accountant, they probably recommend Xero. Most UK accountants use it and can access your account for free.

Mobile Business Owners

Always on the move? Xero’s mobile app means you can manage your finances from anywhere. Send invoices from client sites, snap receipt photos, check cash flow on the go.

E-commerce Sellers

Selling on Shopify, WooCommerce, or Amazon? Xero integrates with these platforms to automatically track sales, fees, and payments.

⚠️ When Xero Is NOT the Right Choice (Honest Truth)

Let’s be completely honest. Xero is excellent, but it’s not for everyone. You should NOT use Xero if:

You Have Zero Revenue Yet

If you’re still in the idea stage with no customers and no income, you don’t need Xero yet. Start with a free tool like Wave or even a spreadsheet. Come back to Xero when you’re actually making money.

You Run a Hobby, Not a Business

If you’re doing something casually with no intention to grow or make serious money, Xero is overkill. Don’t pay for software you don’t need (though at £1.60/month + £100 gift card, you could argue it’s worth it just for the gift card!).

You’re Extremely Inventory-Heavy Retail

If you’re running a warehouse with thousands of SKUs, complex inventory costing, or manufacturing with bill of materials, Xero’s inventory features might feel limited. You might need something more specialized like Cin7 or TradeGecko integrated with Xero, or a full ERP system.

You Need Deep Manufacturing Costing

If you manufacture products and need detailed costing with raw materials, work-in-progress tracking, and production scheduling, Xero won’t cut it. Look at industry-specific manufacturing software instead.

You Hate Technology and Refuse to Learn

If you genuinely can’t or won’t learn any new software, hire a bookkeeper instead. Xero is easy, but it’s still software. You need to spend a few hours learning it.

You Want 100% Free Forever

Xero costs money after the promotional period. If you absolutely refuse to pay anything for accounting software ever, stick with Wave (which is free but more limited and doesn’t handle UK MTD as well).

You’re a Very Large Business

If you have 100+ employees, multiple departments, complex consolidations, or multi-entity structures, Xero might not scale enough. You probably need enterprise software like Sage Intacct or NetSuite.

You Need Extremely Advanced Features

Things like advanced job costing, complex project accounting, or industry-specific compliance beyond basic UK requirements might require specialized software.

Real talk: If any of these describe you, save yourself the hassle. Xero is brilliant for small to medium UK businesses, but it’s not a miracle solution for every situation. Better to know now than waste time and money.

Getting Started with Xero: First Steps

Once you’ve signed up (hopefully using our discount link!), here’s what to do first:

Day 1: Basic Setup

Add your business details (address, VAT number, Companies House number)
Connect your UK bank account
Set up your invoice template with your logo
Create your product or service list

Week 1: Learn the Basics

Record a few expenses to see how it works
Send a test invoice to yourself
Reconcile a few bank transactions
Watch Xero’s tutorial videos (they’re short and helpful)
Set up your VAT scheme (if applicable)

Month 1: Build Your System

Set up recurring invoices for regular customers
Invite your accountant if you have one (free access!)
Explore the reports to understand your finances
Connect any other tools you use (like your e-commerce platform)
Set up bank rules to automate categorization

Month 2+: Use It Regularly

Spend 30 minutes every week reconciling transactions
Send invoices as soon as you complete work
Check your cash flow report regularly
Use insights to make better business decisions
Submit your VAT return directly through Xero

✓ Your Xero Success Checklist

Before we go further, here’s a quick checklist to make sure you’re getting the most from Xero:

Setup Phase (Week 1):

Sign up using the 85% discount + £100 gift card link (February only)
Connect your UK bank account
Add your business details and logo
Create your first invoice template
Set up your product/service list
Configure your VAT settings

Getting Comfortable (Month 1):

Reconcile your first 10 bank transactions
Send 3-5 invoices to real customers
Record your regular business expenses
Watch at least 2 Xero tutorial videos
Invite your accountant (if you have one)
Set up Hubdoc for receipt capture

Mastery (Month 2+):

Set up recurring invoices for regular clients
Create bank rules to automate categorization
Review your profit & loss report monthly
Check cash flow forecast weekly
Use the mobile app for on-the-go tasks
Submit your first VAT return through Xero

Gift Card Qualification (First 7 Months):

Connect your bank within 7 months
Maintain active subscription for 7 months
Receive your £100 Amazon gift card!

Pro Tip: Don’t try to learn everything at once. Master the basics first, then explore advanced features as you need them.

Common Questions About Xero Promo Codes UK

Q: Is the 90% discount + £100 gift card real?

A: Yes, it’s a legitimate Xero promotion. You get 90% off for 6 months when purchasing during February 2026, plus a £100 Amazon gift card when you meet the qualification criteria (connect bank and maintain subscription for 7 months).

Q: What happens on March 1, 2026?

A: The £100 Amazon gift card bonus ends. The discount may change or end as well. If you sign up in February, you get the discount and qualify for the gift card. If you wait until March, you’ll miss the gift card and may pay more.

Q: Do I have to pay for 6 months upfront?

A: No, you pay monthly at the discounted rate (e.g., £5.55/month for Grow Plan for 6 months).

Q: What happens after the first 6 months?

A: Your plan renews at regular price (e.g., £37/month for Grow). You can cancel anytime if you don’t want to continue, or you’ll likely find the value worth the regular cost. You’ll still have your £100 gift card.

Q: Can I use the referral link with the 90% discount?

A: Yes. The referral link IS how you access the 90% discount and £100 gift card offer.

Q: Are there actual promo codes to enter?

A: No. Xero doesn’t use manual coupon codes. Discounts apply automatically when you sign up through promotional or referral links.

Q: Can I use multiple promo codes together?

A: No, only one discount at a time. The 90% off for 6 months + £100 gift card is currently the best available deal.

Q: Are there student or charity discounts?

A: Yes, registered UK charities get 50% off. Students may get deals through universities. However, the February promotion (85% off + £100 gift card) is better value for the first 6 months.

Q: Can I switch plans during the promotional period?

A: Yes, upgrade or downgrade anytime. The 90% discount applies to whichever plan you choose during the first 6 months.

Q: What if I don’t like Xero after signing up?

A: Cancel anytime with no penalty. However, you need to maintain your subscription for 7 months to receive the £100 gift card.

Q: Does Xero work with UK banks?

A: Yes, it connects to all major UK banks including Barclays, HSBC, Lloyds, NatWest, Santander, TSB, Metro Bank, and more.

Q: Is Xero compliant with HMRC and Making Tax Digital?

A: Yes, Xero is fully MTD compliant for both VAT and Income Tax. It submits VAT returns directly to HMRC.

Q: Can I get the £100 gift card if I cancel before 7 months?

A: No, you must maintain your subscription for at least 7 months to receive the gift card.

Q: When will I receive my £100 Amazon gift card?

A: After you’ve connected your bank and maintained your subscription for 7 months, the gift card will be sent to your registered email address.

Tips for Getting the Most from Xero

Now that you know how to save money on Xero, here’s how to get the most value:

1. Use It Weekly, Not Monthly

Don’t let your bookkeeping pile up. Spend 30 minutes each week instead of 4 hours at month-end. You’ll make fewer mistakes and have better information.

2. Connect Everything

Link your bank account, PayPal, Stripe, and any other payment platforms. The more Xero sees automatically, the less work you do.

3. Set Up Bank Rules

After you’ve categorized a few expenses, Xero learns. Set up rules so future similar expenses are categorized automatically. This saves hours every month.

4. Use the Mobile App

Snap photos of receipts immediately instead of keeping paper receipts. Your phone becomes your filing cabinet. The Hubdoc integration makes this even easier.

5. Check Your Dashboard

The Xero dashboard shows your money situation at a glance. Check it every few days so there are no surprises. The cash flow forecast is particularly useful.

6. Invite Your Accountant

Even if you do most of the work yourself, letting your accountant peek in occasionally means they can spot problems early. Accountant access is FREE on all plans.

7. Use the Reports

Xero creates beautiful reports automatically. The Profit & Loss and Cash Flow reports are especially useful for making business decisions. The Balance Sheet helps you understand your overall financial position.

8. Enable Auto-Reconcile (Beta)

On Grow plans and above, Xero’s auto-reconcile feature can match transactions automatically. This is still in beta but works well for most businesses.

9. Set Up Recurring Invoices

If you have customers who pay monthly, set up recurring invoices. Xero will send them automatically and even chase late payments.

10. Use Multi-Currency (If Applicable)

If you work with international clients (Comprehensive and Ultimate plans), enable multi-currency. Xero handles exchange rates automatically.

Real Business Owner Stories

Sarah’s Bakery (London)

“I started my bakery using a notebook and calculator. When I switched to Xero, I saved about 6 hours every month. That’s 6 more hours I can spend baking or with my family. With the 90% discount, I’m paying just £3.70 a month for the Grow Plan – and I got a £100 Amazon gift card! I used it to buy new baking equipment. It’s the best business investment I’ve ever made.”

Tom’s Plumbing (Manchester)

“As a plumber, I’m always on the move. With Xero’s app, I can send an invoice as soon as I finish a job. Customers pay me faster now because they get the invoice while the job is fresh in their mind. My cash flow improved by 20%. The MTD compliance features mean I don’t worry about HMRC anymore. When I signed up during the promotion, I actually made money – the gift card was worth more than the subscription!”

Emma’s Consulting (Birmingham)

“I was using Excel spreadsheets before Xero. Everything was a mess at tax time. Now my accountant loves me because everything is organized. She even reduced her fees because Xero makes her job easier. Between the time I save and the lower accounting fees, I’m actually making money by using Xero. The current 90% off deal + £100 gift card makes it even better for new businesses. I recommended it to three other consultants.”

Raj’s E-commerce Store (Leeds)

“I sell on Shopify and Amazon. Xero connects to both platforms and automatically pulls in all my sales. It calculates my VAT, tracks my inventory, and shows my actual profit after all fees. Before Xero, I had no idea if I was actually making money. Now I know exactly where I stand. The multi-currency feature on the Comprehensive plan handles my international sales perfectly.”

Alternatives to Consider

While Xero is excellent, it’s worth knowing your options:

Want more comparisons? Read our comprehensive guides:

Xero Reviews – What real users say
Xero Pricing Plans Explained – Detailed breakdown
Best Accounting Software for Small Business in 2026 – Why Xero stands out
Best QuickBooks Alternatives – If you’re leaving QuickBooks
Accounting Software for Freelancers – Freelancer-specific guide
How to Choose Accounting Software – Decision framework

Regional Xero Guides:

Xero Promo Code Australia – For Australian businesses
Xero Promo Code NZ – For New Zealand businesses

Final Thoughts: Don’t Miss This February Offer!

Here’s the truth: Xero is one of the best investments a UK small business can make – and right now, with 90% off + a £100 Amazon gift card, it’s the best deal we’ve ever seen!

This promotion is February 2026 only. That means it could end in just a few weeks!

Think about what you’re getting:

✅ Professional accounting software for less than a coffee per month
✅ Save up to £351 in your first 6 months
✅ Get a £100 Amazon gift card (worth more than 6 months of the Ignite or Grow plan!)
✅ Hours of time saved every week
✅ Professional invoices that get paid faster
✅ Peace of mind about your finances
✅ Better information to grow your business
✅ Full MTD compliance with HMRC
✅ Free accountant access

The Real Value Isn’t Just the Discount

Yes, saving £200-£350 in your first 6 months PLUS getting a £100 gift card is incredible. But the real value is what Xero does for your business:

Saves you hours every month
Helps you look professional
Reduces costly mistakes
Gives you better financial information
Makes tax time less stressful
Helps you work better with your accountant
Ensures HMRC compliance
Improves cash flow

By the time the discount ends after 6 months, you’ll see so much value that the regular price feels cheap.

Don’t Wait Until March

Here’s what happens if you wait:

You might forget about this offer
The promotion ends and you miss out on £200-£350 in savings
You miss the £100 Amazon gift card
You keep wasting time on manual bookkeeping
You delay having proper financial clarity

Here’s what happens if you act today:

You lock in 90% off for 6 months
You get a £100 Amazon gift card
You start saving time immediately
You get professional accounting for pennies (or actually make money with Ignite/Grow plans!)
You can test it risk-free

Ready to Start?

👉 Get 90% off + £100 Amazon gift card – February only!

Start with the free trial if you want. You don’t need a credit card for some plans, and you can explore everything. Try it out. Connect your bank. Send a few invoices. See how much time you save.

Most business owners who try Xero never go back to spreadsheets or paper accounting. Once you experience how simple it makes your financial life, you won’t want to work any other way.

And at 90% off with a £100 gift card? You’re literally getting paid to try it (on the Ignite and Grow plans). There’s absolutely no reason not to.

Next Steps

Don’t let this February offer slip away!

Click here to get 90% off + £100 gift card (February only)
Choose the plan that fits your business size (remember, you’re getting 90% off!)
Start your free trial to test everything
Connect your UK bank account
Watch a quick tutorial video
Start saving time and money today
Connect your bank within 7 months and maintain subscription to get your £100 gift card

Important Reminder: This 90% discount + £100 Amazon gift card offer is February 2026 only. After that, the gift card bonus ends and the discount may change. Lock in your savings now!

The best time to organize your business finances was when you started your business. The second best time is today – especially when you can get 90% off AND a £100 Amazon gift card!

Good luck with your business, and enjoy the extra time, money, and peace of mind that Xero brings!

More Helpful Resources

Want to learn more about managing your business finances? Check out these helpful guides:

Compare Xero to competitors:

Regional guides:

Disclaimer

Promotional offers and pricing can change. The 90% discount and £100 Amazon gift card mentioned in this article are valid for new customers who sign up during February 2026 through authorized partner links. Always check Xero’s official website for current pricing and terms.

We may earn a commission if you sign up through our referral link, at no extra cost to you. This helps us keep creating helpful content for small business owners like you.

All prices mentioned are in GBP and exclude VAT unless otherwise stated. Xero is a registered trademark of Xero Limited.

Gift card terms: You must connect your bank within 7 months and maintain an active paid subscription for at least 7 months to receive the £100 Amazon gift card. Gift card will be sent to your registered email address.